Visitor Insurance For Parents Visiting the USA

Choosing a health insurance policy for your elderly parents is your personal choice based on the amount of coverage you require and the premium you would like to pay. The most purchased plans are Safe Travels USA Comprehensive, Visit USA, Patriot America, Diplomate Long Term, Diplomat America, and more. However, other factors can determine the plan you wish to choose. To know in detail about the plans, do contact us.

The policy maximum ranges from $50,000 to $8 million, depending on the plan. But not all plans will have the same policy maximum limit. In the event of hospitalization, the benefits required are considerably higher as compared to an Urgent Care visit for a flu. It is difficult to determine how much medical insurance is enough for parents because it entirely would depend on what kind of illness or injury treatment might require. Choice of medical insurance would depend on the risk you are willing to take during their stay in the US.

Buying US travel insurance for parents is not difficult at all. You can ft the quotes for the plans from the above quote engine. Or you can call us/or drop us an email, and we will help you buy an incredible comprehensive plan for your parents.

Typically, there are two types of health insurance– comprehensive plans and fixed benefit plans. The comprehensive plans offer higher medical and travel coverage, while the latter has pre-defined limits. Before picking one, do understand your parents’ medical and travel needs.

Patriot America Plus falls under the most affordable insurance plans for parents visiting the USA. It has a wide PPO network coverage that includes many reputed medical institutions and providers. It covers all the parts of treatments in case of an injury and illnesses, including prescriptions, hospitalizations, intensive care, and even surgeries. The urgent care visits for minor injuries and illnesses can be covered using a copay. Leveraging the PPO network will save you from taking coinsurance. Acute onset of the pre-existing conditions is also covered up to a certain limit, if the person is below the age of 70 years, and has obtained treatment within 24 hours of the onset. The plan also provides coverage for evacuation in case of an emergency. Excellent customer feedback and several positive reviews make Patriot America Plus a popular choice among visitor medical plans. 

Underwritten by Lloyds of London, a well-reputed Underwriter, Atlas America is one of the best comprehensive plans for parents visiting the USA. It covers all the medical needs like prescriptions, hospitalization, intensive care, and surgeries for illnesses and injuries. If you use its in-network, this policy waives the coinsurance and deductibles. The urgent care for minor illnesses and injuries can be covered by a $15 copay. Atlas America comes with a wide PPO network coverage with a range of quality service providers. Acute onset of the pre-existing conditions is also covered up to a certain limit, if the person is below a certain age limit like 70 years, and has obtained treatment within 24 hours. The plan also provides coverage for evacuation in case of an emergency. Over the years, Atlas America has bagged quite a few positive reviews and excellent customer feedback- that showcase how popular it is amongst the parents visiting the USA.

Yes, absolutely.

Patriot America, Visit USA, Atlas America, Diplomat Long Term, Diplomat America, and Safe Travel USA Comprehensive are great plans for an 85-year-old adult. Do check the policy brochure to know in detail before purchasing.

It is always recommended to opt for an insurance from the USA rather than from India or other countries while visiting. The hospitals and care centers are familiar with the network and insurance providers of the USA, and they can easily send the bills directly to the insurance company. So you can enjoy a mostly cashless payment procedure, and hence less hassle.

The US insurance companies are more familiar with the medical cost and needs, so they design the policies for the maximum benefit of the visitors from India to the US. Be it for younger or older travelers, the US insurance companies have a wide range and choice of policies for all kinds of needs and preferences.

Yes, purchasing visitor insurance is an online process, so you can easily buy from India. All our plans are from US-based companies with claims officers located in the US. The US hospitals and care centers are familiar with the insurance providers of the US- so they find it easy to communicate and send the bill to them directly. So insurance providers from the US will be more convenient for you.

You can choose from comprehensive and limited benefits plans. The limited benefits plans are cheaper but they provide limited coverage, whereas comprehensive plans are expensive but provide better coverage for all your medical needs. Many of these plans cover acute onset of pre-existing diseases up to a certain age, typically 70 years.

You can enter your basic details like name, date of birth, address, etc and all the documents, including the ID card, will be emailed to you.

It depends on the visa status and the plan you bought. For instance, if you are on a J1 visa plan and your sponsor allows you to add your parents as dependents to your insurance plan, you can add them. Talk to your sponsoring organization before proceeding. However, most plans consider children and not parents as dependents. If you are a green card holder and your parents are coming to visit you, you cannot add your parents to your health insurance. You need to buy a separate policy for them from a private insurance company. Some plans can allow you to add both parents to the same plan, while others may ask you to buy an individual policy for each parent.  

Parents visiting the US cannot buy domestic plans or government-sponsored insurance programs. Instead, they must find a reliable insurance provider who can help them buy a health insurance policy to cover them during their brief stay. Visitor Guard® is a one-stop solution where you can find numerous visitor insurance plans for parents. Go to our site, review our plans, compare them, and get quotes.  

Immigrant parents are considered visitors to the US even if they have applied for green cards and have pending green card status. You can buy visitor insurance plans  for them as long as they do not get their green cards. Once they get their green cards, they can opt for domestic plans or government-sponsored insurance programs if they are eligible.  

It depends on the plan you bought and the visa you hold. Typically, you cannot add parents to your health insurance plans and must buy separate plans for them.  

Parents visiting the US can apply for a B2 visa issued for traveling and tourism purposes. 

Safe Travel USA Comprehensive, Patriot America, Atlas America, Visitor Care, Safe Travel Elite, and Visit USA are popular travel insurance plans for parents coming to the US.  

Yes, you can buy insurance for parents in the US. However, if they are living in the US or green card holders, you can buy domestic plans from healthcare.gov only if they meet the eligibility. Or you can buy visitor insurance plans for them if they are coming to visit you for a few months.